Finding affordable health insurance that meets your own unique needs does not have to be a lifelong pursuit or an exercise in futility. Could the multitude of options, restrictions, limitations, co-this, and supplemental-that be more confusing? New York-based PJP Health Agency Inc. is on a mission to educate consumers and simplify the process of finding the right policy. Established in 2008 and headquartered in Garden City, the nationwide company consists of expert licensed agents and forward-thinking executives who have discarded the traditional business-as-usual approach to streamline the process of buying medical insurance and make it decidedly more customer friendly.
By visiting PJP Health University, consumers can learn everything they always wanted to know about health insurance. Rather than just listing policy choices, the site explains major medical plans, supplemental major medical options, and various types of deductibles, benefit periods, and limits. It discusses covered expenses and the differences between HMO, PPO and POS plans, and explains co-payments, coinsurance, and maximum out-of-pocket expenses, giving concrete examples. The site also describes the new federal mandates for health insurance and their impact on individuals.
Once a customer understands the healthcare choices available through the firm, he or she can speak to a licensed agent for a free quote. PJP then assists the individual in enrolling in a plan. The Cadillac of plans, comprehensive major medical coverage, provides the most protection for the greatest number of possible scenarios, so it should be the first choice in most cases. When that is not possible for various reasons, including cost, PJPHealth Agency finds the next best option. The company sums up its goal as “inform, advise, and execute.” Its ultimate mission is to find every American affordable health care.
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